When you consider just how important sleep is to good health, to go without being able to sleep because of pain will cripple your world, your physical being, mental health, and emotional state. It might surprise you to know that sleep posture is not taught as having any influence on one’s health. As a Chiropractor I have been taught the proper biomechanics when it comes to standing, sitting, and lifting but there is only a few comments thrown around about sleep posture. What happens to the body when you lie down to sleep in the horizontal position?

Most people are sleeping about 35% less than they use to. Research has shown than more than 100 million people in America are having trouble sleeping. 70% of those are suffering from pain related sleeplessness. 22% are suffering from some kind of chronic insomnia that they are taking or consider taking some kind…

What I am going to do is give you a easy to understand translation of some of the terms used by the Automobile Insurance industry.

Bodily Injury Liability

This is not the vehicle’s body they are talking about. It is the human bodies injuried because of your carelessness and this coverage covers the medical costs. The insurance company’s obligation is limited to what you purchased. The minimum in Alabama is $25,000 per person and $50,000 per accident. The rest is of the medical costs will come out your pocket. You will find some short handed references to the liability insuance portion of your coverate written like this 25/50, 50/100 etc.

Property Damage Liability

This is like bodily injuray liability except it covers the damage to property. It is the same as bodily insurance covereage and limited by the policy you purchased. The limit minimum for property damage in Alabama is $25,000. Any shortages in cost of property damages over the insurance limits will come out of your own pocket. Replacing a new vehicle can easily cost more than the minimum and the cost of having beter coverage is surprisingly inexpensive. It is better to be prepared. Review your current coverage and see if your coverage is more than adequate.

Collision

This is where your insurance company pays for the damage done to your vehicle. Deductibles are commonly found here.

Medical Payments Coverage

Your auto insurance company will pay for a reasonable medical expenses of anyone in your vehicle who is injuried because of the accident. On this part of the insurance coverage, it doesn’t matter who is at fault. You and most members of your household do not even have to be i the car for the coverage to apply either. Please chack with yourpolicy for the details on this. For example, let’s say that you were struck by a car while walking in the parking lot. The company’s obigation is still limited to the amount of coverage that you purchased. Medical payments coverage in Alabma can be as low as $500 because coverage of this kind is not mandatory.

Unitedinsured Motorist

Not many states still have uninsured motorists but Alabama has driver’s on its roads that have no coverage. You insurance has got you covered. If a driver of another cehicle injuries you and/or you8r car’s occipants and theyhave no incurance tocover your claims for the injuries, this part of your insurance policy covers you. As I have stated before, your coverage will only be to the coverage limits. Like the personal injury protection, the uninsured purchase, this also is not limited to just the automobile occupants.